作者 | 陈进波 统筹 | 黄嘉翔 视觉 | 顾芗 作为改革开放的排头兵、先行地、实验区，广东站在新的历史起点，着眼发展新质生产力，强化科技创 新和产业创新深度融合，建设现代化产业体系，完善区域协调发展，奋力为中国式现代化建设作出贡 献。作为广东地区金融体系的重要组成单元，建设银行广东省分行深入贯彻落实党的二十届四中全会精 神，自觉将自身发展融入广东"走在前、作示范、挑大梁"的宏伟实践，坚持以人民为中心，持续推动金 融资源向关键产业、重点领域集聚，以实际行动勾勒广东高质量发展的奋斗轨迹。 赋能科技智造，金融活水润泽现代化产业体系建设 中国式现代化要靠科技现代化作支撑。在广东斯丹诺智能装备有限公司（以下简称"斯丹诺"）的精密机 械车间内，一台台搭载新型数控系统的锯床正以毫米级精度切割金属板材，工业级触控屏上实时跳动着 切割速度、压力值和温度曲线。"与传统车间依赖人工校准不同，这里90%的锯切工序由智能算法驱 动。"现场工艺负责人介绍说。 从引领未来的科研创新，到转型驱动的智造升级，在助力现代化产业体系建设进程中，建行广东省分行 正在构建起覆盖基础研究到产业化的金融服务生态。截至11月末，建设银行广东省分行科技型 ...

Core Insights - The article highlights the role of Guangzhou Zhihui Robot Technology Co., Ltd. as a key player in the robotics industry, supported significantly by China Construction Bank's Guangdong branch, which has provided tailored financial solutions to meet the company's evolving needs [1][5][10] Group 1: Financial Support and Growth - In its early stages, Zhihui Robot faced challenges in securing traditional loans due to its asset-light model, but received a crucial 3.3 million yuan "mortgage quick loan" from China Construction Bank, which helped address immediate funding needs [1][5] - As the company grew, it received additional financial support, including a 760,000 yuan "cloud tax loan" and a 2.36 million yuan "good innovation loan" for its affiliate, demonstrating a tiered financing approach that aligns with the company's development stages [6][8] Group 2: Industry Development and Infrastructure - Guangdong province is rapidly developing into a global hub for artificial intelligence and robotics, with a complete industrial chain from chips to applications, supported by financial institutions like China Construction Bank [2][10] - The bank has tailored financial products to support upstream component manufacturers, such as a 49.5 million yuan stock repurchase loan for TP Technology Co., which is crucial for maintaining technological leadership in machine vision [2][3] Group 3: Long-term Partnerships and Services - China Construction Bank emphasizes long-term partnerships with technology firms, providing continuous financial support that enables companies to focus on research and development while ensuring timely access to funds [7][8] - The bank's comprehensive service model includes a focus on non-financial factors, such as the technical capabilities of teams and the long-term prospects of industries, ensuring that financial support is aligned with the specific needs of technology companies [8][9]

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身着瑶族传统服饰的舞者手持长鼓，伴随着原生态瑶乐舞动，舞步粗犷且刚劲有力……在刚刚落幕的第 十五届全国运动会闭幕式上，来自广东连南瑶族自治县的瑶族长鼓舞惊艳亮相，带领现场观众领略了百 里瑶山、千年瑶乡的文化之美。 而今，作为国家级非物质文化遗产，舞者手中的瑶族长鼓不再只是一张文化名片，更成为当地群众增收 致富的"金钥匙"。 据了解，近年来，在广东清远，随着"百县千镇万村高质量发展工程"深入实施，以瑶族长鼓、壮锦等为 代表的非遗，在政银的聚力扶持下，正通过"非遗经济"焕发新生。 如今，名瑶工艺坊年产值达到150多万元，为当地创造了20多个就业岗位，附近村民在家门口就能实现 就业，不少年轻人也来学手艺，让非遗技艺的传承有了新鲜血液。 回首来路，并非一帆风顺。唐买舍吊表示，资金是创业路上一大难题，场地租金、学徒增加……每一项 都需要投入大量资金，一筹莫展之际，是建行连南支行主动伸出了援手。 据建行连南支行工作人员介绍，该行在了解到唐买舍吊的困境后，深入调研评估瑶族长鼓的市场需求和 发展前景，专门开辟了"绿色通道"，首期快速发放了30万元"抵押快贷"，为其创业提供了有力的资金支 持。 据了解，"抵押快贷"是聚焦绿色制 ...

Core Viewpoint - The China Construction Bank Sichuan Branch has actively aligned its operations with national strategies during the "14th Five-Year Plan" period, contributing significantly to the economic development and transformation of Sichuan province [1][3]. Group 1: Strategic Alignment and Support - The bank has enhanced its capabilities to support major national strategies, including the construction of the Chengdu-Chongqing economic circle, by providing over 280 billion yuan in credit support for key projects [4]. - It has established a mechanism for project promotion and launched various supportive measures to ensure the successful implementation of significant initiatives [4]. Group 2: Financial Services and Innovations - The bank has focused on providing comprehensive financial services, including the establishment of seven private equity investment funds with a total commitment exceeding 30 billion yuan, and has invested over 26 billion yuan in more than 50 projects in Sichuan [4]. - It has developed a three-year action plan for technology finance, becoming the first bank in Sichuan to be recognized as a "Technology Finance Innovation Base" [5]. Group 3: Green Finance and Infrastructure Development - The bank has prioritized financing for clean energy and green infrastructure projects, actively supporting the construction of transportation projects and renewable energy initiatives [6]. - It has collaborated with local state-owned enterprises to revitalize existing assets and enhance funding for critical infrastructure [6]. Group 4: Inclusive Finance and Community Support - The bank has implemented an "active empowerment" credit model, providing nearly 178.8 billion yuan in credit and 144.6 billion yuan in disbursements to support small and micro enterprises [6]. - It has also focused on enhancing financial services for the elderly and other vulnerable groups through innovative digital solutions [7]. Group 5: Digital Finance and Consumer Support - The bank has successfully integrated digital currency applications in various sectors, including housing provident fund services and retail payments, covering over 6,600 stores [8]. - It has supported consumer spending through interest subsidies in key service sectors, with nearly 10 billion yuan in loans for the hospitality and entertainment industries [9]. Group 6: Social Responsibility and Rural Development - The bank has actively participated in rural revitalization efforts, with new loans in key counties exceeding the average growth rate of total loans [10]. - It has contributed to local community projects and provided scholarships to students, demonstrating its commitment to social responsibility [10].

Group 1 - The core viewpoint of the articles highlights the growth and challenges faced by Wenchen Precision Technology Co., Ltd., a startup founded by a young entrepreneur, Gu Jian, in the high-tech park of Jianhu County, which benefits from a supportive industrial cluster and favorable entrepreneurial policies [1][2] - Gu Jian, a local talent with notable achievements in technical competitions, has leveraged his expertise to establish a strong foundation for the company's development through technological innovation and market sensitivity [1] - The company has encountered challenges related to increased raw material demand and extended customer payment cycles, leading to cash flow difficulties [2] Group 2 - To address these financial challenges, the local bank, Jianhu Branch of China Construction Bank, proactively engaged with the company and provided a combination of credit and mortgage loans, including a 220,000 yuan "credit quick loan" to alleviate immediate funding needs [2] - The bank has innovatively developed a "credit + mortgage" loan model tailored to the characteristics of asset-light startups, and has also provided medium to long-term funding support based on the company's fixed asset situation [2][3] - As of June, the bank has cumulatively provided over 250 million yuan in financing support to various small and micro enterprises in the park, contributing to the high-quality development of the local economy [3]

Core Insights - The article emphasizes the importance of financial services in supporting small and micro enterprises, which are vital for economic development [1][7] - The China Construction Bank (CCB) is actively providing tailored financial solutions to small businesses in Taiyuan, helping them overcome challenges and innovate [2][4][6] Financial Support for Small Enterprises - CCB's Taiyuan branch has formed a specialized service team to cater to the financial needs of small business owners and individual entrepreneurs, offering flexible and convenient services [1][2] - The "Mortgage Quick Loan" product allows small enterprises to secure financing quickly by using quality real estate as collateral, with a recent case where a local inn received a loan of 540,000 yuan [2][3] - As of September 2025, the balance of inclusive micro loans in Shanxi Province reached 534.06 billion yuan, reflecting a year-on-year growth of 21.5%, significantly outpacing the overall loan growth rate [3] Case Studies of Financial Assistance - Taiyuan's Wowo Inn benefited from a 540,000 yuan loan to upgrade its facilities and enhance its appeal to tourists, showcasing the impact of targeted financial support [2] - Taiyuan Tai Tong Da Logistics Co., Ltd. received 1.01 million yuan through the "Cloud Tax Loan" product, which helped the company manage cash flow and fulfill existing orders [4] - The Taiyuan branch also provided a 3 million yuan "Mortgage Quick Loan" to Peite Trading Co., Ltd., enabling the company to stock up for the upcoming sales season and improve its market competitiveness [6]

Core Viewpoint - The article highlights the transformation of Zhu Village in Linyi, a historical site known for its revolutionary significance, into a model for rural revitalization, supported by innovative financial products from China Construction Bank (CCB) to boost local industries and improve residents' livelihoods [2][3][6]. Group 1: Rural Revitalization and Financial Support - Zhu Village, recognized as a red stronghold during the Anti-Japanese War, has evolved into a beautiful rural village characterized by cultural heritage and tourism [2][3]. - CCB has introduced various financial products to support local industries, such as the "Export Loan" which provided 3 million yuan to a leading willow weaving company, enhancing its production capacity and competitiveness [2][3]. - The village's collective income reached 8 million yuan in 2024, a 30-fold increase from 2013, with per capita annual income at 35,000 yuan [3]. Group 2: Industry Development and Innovation - The willow weaving industry in Zhu Village has formed an export-oriented industrial system, but many companies face funding shortages during modernization [2][3]. - CCB's "Technology Compensation Loan" offers low-interest financing with up to 40% government subsidies, addressing the financing challenges faced by innovative small and medium-sized enterprises [3]. - The bank's support has enabled local businesses to expand their operations and improve product quality, contributing to the overall economic development of the region [4][5]. Group 3: Digital Transformation in Logistics - Linyi's logistics industry has rapidly developed, with a logistics total exceeding 1 trillion yuan in 2024, transitioning towards a "digital+" model [6]. - CCB has issued 224 million yuan in green loans to support the construction of national logistics hub projects, facilitating the integration of traditional logistics with digital solutions [6]. - The implementation of a unified online payment system by CCB for logistics companies has streamlined operations and improved efficiency [6].

Group 1 - The core viewpoint of the articles highlights the growth and challenges faced by Wenchen Precision Technology Co., Ltd., a startup founded by a young entrepreneur, Gu Jian, in the high-tech park of Jianhu County, Jiangsu Province [1][2] - The company focuses on precision instrument research and manufacturing, benefiting from the local industrial cluster advantages and supportive entrepreneurial policies [1] - Gu Jian, a skilled entrepreneur with notable achievements in national skill competitions, leads the company with strong technical and R&D capabilities, establishing a solid foundation for its development [1] Group 2 - As the business scales, the company encounters challenges such as increased raw material demand and long customer payment cycles, leading to cash flow difficulties [2] - The local bank, based on the company's growing transaction volume, identified the need for financing support and provided a combination of "credit quick loan + mortgage quick loan" to address the urgent funding needs [2] - The bank's innovative "credit + mortgage" loan model caters to the asset-light characteristics of startups, offering flexible mortgage options for medium to long-term funding support [2] Group 3 - Since 2023, the bank has been enhancing inclusive financial services, conducting visits and research to accurately assess the financing needs of enterprises [3] - By June 2025, the bank had provided over 250 million yuan in financing support to various small and micro enterprises in the park, contributing to the high-quality development of the local economy [3]

Core Viewpoint - The trend of decreasing business loan interest rates is emerging, similar to the previous competition in consumer loan rates, with some banks offering rates below 3% and even as low as 2.15% for secured loans [1][2][3]. Group 1: Current Interest Rate Trends - Many banks, including state-owned and joint-stock banks, are now offering business loan rates below 3%, with some products like "mortgage quick loans" available at rates as low as 2.60% [2]. - In regions outside Guangdong, such as Sichuan, banks are also offering competitive rates, with one bank providing a 1-year mortgage-backed business loan at 2.15% for high-quality collateral [2]. - Some larger banks maintain higher rates, with one reporting a pure credit business loan rate of 3.6% and a secured loan rate around 3% [3]. Group 2: Factors Influencing Rate Changes - The decline in business loan rates is attributed to insufficient credit demand from economic entities and policy initiatives aimed at reducing financing costs for the real economy [1][7]. - The People's Bank of China has reported a slowdown in the growth of short-term and medium-term business loans, indicating a decrease in demand [8]. Group 3: Implications for Banks - Lower business loan rates may compress net interest margins and reduce banks' profitability, particularly affecting smaller banks more than larger ones due to their reliance on interest income [9][10]. - Experts suggest that banks should innovate financial products and focus on effective market demand to balance business expansion and asset quality [9][10].